Comments on: The pitfalls and dangers of target retirement funds http://www.experiglot.com/2006/05/02/the-pitfalls-and-dangers-of-target-retirement-funds/ Because you shouldn't need an MBA to be savvy about finance and business Thu, 09 Feb 2012 01:13:00 +0000 hourly 1 http://wordpress.org/?v=abc By: Buford Twain http://www.experiglot.com/2006/05/02/the-pitfalls-and-dangers-of-target-retirement-funds/comment-page-1/#comment-22090 Buford Twain Thu, 25 Jan 2007 02:35:01 +0000 http://www.experiglot.com/2006/05/02/the-pitfalls-and-dangers-of-target-retirement-funds/#comment-22090 Sorry to be late to this party. I think the Vanguard target retirement funds are OK. They have a reasonable blend of domestic, foreign, emerging markets (tiny share) index funds and bonds, similar to what folks like William Bernstein (The Four Pillars of Investing) and others suggest. So, for people who really don't want to worry about asset allocation, stock picking or rebalancing (i.e. 99.9% of people?) they are pretty good. The fees are reasonable as well. Sorry to be late to this party.

I think the Vanguard target retirement funds are OK.

They have a reasonable blend of domestic, foreign, emerging markets (tiny share) index funds and bonds, similar to what folks like William Bernstein (The Four Pillars of Investing) and others suggest. So, for people who really don’t want to worry about asset allocation, stock picking or rebalancing (i.e. 99.9% of people?) they are pretty good. The fees are reasonable as well.

]]> By: Consumerism Commentary: A Blog About Personal Finance http://www.experiglot.com/2006/05/02/the-pitfalls-and-dangers-of-target-retirement-funds/comment-page-1/#comment-784 Consumerism Commentary: A Blog About Personal Finance Mon, 19 Jun 2006 04:23:46 +0000 http://www.experiglot.com/2006/05/02/the-pitfalls-and-dangers-of-target-retirement-funds/#comment-784 <strong>Carnival of Personal Finance #53...</strong> Welcome to the anniversary edition of the Carnival of Personal Finance! What a year it has been. The first Carnival of Personal Finance was posted on June 20, 2005. To celebrate the Carnival’s first birthday, I asked participants to submit two... Carnival of Personal Finance #53…

Welcome to the anniversary edition of the Carnival of Personal Finance! What a year it has been. The first Carnival of Personal Finance was posted on June 20, 2005. To celebrate the Carnival’s first birthday, I asked participants to submit two…

]]> By: Ricemutt http://www.experiglot.com/2006/05/02/the-pitfalls-and-dangers-of-target-retirement-funds/comment-page-1/#comment-705 Ricemutt Tue, 06 Jun 2006 18:36:49 +0000 http://www.experiglot.com/2006/05/02/the-pitfalls-and-dangers-of-target-retirement-funds/#comment-705 I'm not familiar with the X-ray tool, but I'll have to check it out. Thanks for letting me know about it! I’m not familiar with the X-ray tool, but I’ll have to check it out. Thanks for letting me know about it!

]]> By: Chris http://www.experiglot.com/2006/05/02/the-pitfalls-and-dangers-of-target-retirement-funds/comment-page-1/#comment-703 Chris Tue, 06 Jun 2006 18:32:00 +0000 http://www.experiglot.com/2006/05/02/the-pitfalls-and-dangers-of-target-retirement-funds/#comment-703 “it’s hard, if not impossible, to tell your asset allocation mix and what you really own without then digging into what each fund owns, and trying to determine what percentage of those holdings are in your portfolio” Have you see Morningstar’s (free) X-Ray tool? For some funds (Vanguarg Target Retirement Funds, e.g. VTIVX), you can easily get a pretty good picture of the underlying allocation of this fund using the Morningstar X-Ray tool. What is scary though, is that when I try to “X-Ray” one of the Fidelity Funds (e.g. FFFHX) the allocation comes up as 100% “not classified”. Yikes! :-) “it’s hard, if not impossible, to tell your asset allocation mix and what you really own without then digging into what each fund owns, and trying to determine what percentage of those holdings are in your portfolio”

Have you see Morningstar’s (free) X-Ray tool?

For some funds (Vanguarg Target Retirement Funds, e.g. VTIVX), you can easily get a pretty good picture of the underlying allocation of this fund using the Morningstar X-Ray tool.

What is scary though, is that when I try to “X-Ray” one of the Fidelity Funds (e.g. FFFHX) the allocation comes up as 100% “not classified”. Yikes! :-)

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